Top Cashback & Reward Credit Cards in India

Highlights

  • Compare and Choose Best Cashback Cards in India
  • Choose a Card with Maximum Cashback and Reward Offers on Both Online and Offline Spends

On a breezy Sunday evening last week, both me and my friend accompanied our respective wives to a top retail outlet. While both of us earn the same and have credit cards, I managed to save more on the purchase compared to my friend. This was made possible due to the massive cashback offers available on my credit card purchase. Unfortunately, his card spends didn’t attract any cashback and so he was a bit pissed off. This, however, came to light when I let him know of the same a few days after the cashback got credited to my card.

The joy of using credit cards doubles with cashback and reward point offers. These offers, which are available on both online and offline card spends, increase your savings as well as allow you to shop at leading brands. You can swipe the card at retail outlets or even use it at online stores to receive cashback or reward points on your spends.

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Quotes from 11 banks | Best Offers and Rewards

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    Don’t you like to apply for those top cashback and reward credit cards that have delighted many shoppers in the country? I guess, you would, right? So, take a look below to compare the best cards in cashback and rewards category and choose a one that has in it to meet your needs.

    Best Cashback & Rewards Credit Cards of 2018

    Credit CardsCashback & RewardsJoining Fee (In ₹)Annual Fee (In ₹)
    Citibank Cashback Credit Card5% cashback on your movie ticket purchases

    Avail 5% cashback on paying your telephone bills

    Utility bill payments to attract 5% cashback

    0.5% cashback on all other spends
    As ApplicableAs Applicable
    Standard Chartered Super Value Titanium CardEnjoy 5% cashback each on your fuel, telephone and utility payments

    Earn 1 reward point for every ₹150 spent on other expenses
    499750
    Standard Chartered Manhattan Platinum Credit Card5% cashback on grocery spends from stores like Reliance Fresh, Food Bazaar, Big Bazaar, More, etc.499999
    SBI SimplyClick Credit CardGet 10X reward points on online spends at exclusive partners - Foodpanda/Amazon/Lenskart/Cleartrip/BookMyShow/Zoomcar/UrbanClap499499
    SBI Card PrimeAccumulate 10 reward points for ₹100 spent on groceries, dining, movies and departmental stores 29992999
    HDFC MoneyBack Credit CardEarn 2 reward points for every ₹150 spent. Reward points are redeemable as cashback against the outstanding amount. Every 100 reward point to fetch you ₹30As ApplicableAs Applicable
    ICICI Bank Coral Credit CardGet 4 payback points for every ₹100 spent on groceries, dining and supermarkets.

    Every ₹100 spent on other transactions to earn you 2 payback points
    1000500
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    Note – The fees and charges will also include 18% Goods and Services Tax (GST)

    Citibank Cashback Credit Card

    Grab 5% cashback on movie tickets, utility bill and telephone payments to enjoy your run with this cashback credit card.

    Striking Features at a Glance

    Apart from 5% cashback on movies and bill payments, the card can help you win exciting offers on leading brands across the product categories. Further, the card reduces your dining cost by giving you 15% off at partner restaurants located across different cities. You can check out a complete list of restaurants online. For example, if you staying in Delhi/NCR, you can dine at TabulaBeach Cafe, Cafe Hashtag LoL and Smoke House Dell and get 15% discount on the service. The restaurants can change with time and so you must check online before dashing off to satisfy the gourmet in you.

    Annual Fee – As Applicable by the bank

    What’s Special About the Card?

    The card is a big ally to active shoppers, particularly the movie buffs, by giving them the cashback on their spends. Even though it’s a cashback card, the discounts on dining can please the foodies who won’t mind eating more. And not to forget the option of converting your purchase into EMI at over 2,000 consumer electronics and mobile outlets, online and offline retail chains, etc. All that makes this card a top notch.

    Standard Chartered Super Value Titanium Card

    The card helps you earn 5% cashback on fuel purchase, payment of telephone and other utility bills.

    Striking Features at a Glance

    The 5% cashback on fuel spends can save on vehicle refill, telephone and utility payments. You can earn a maximum cashback of ₹200 per month and ₹100 per transaction. However, to get the cashback credited on your account, it’s important to make a minimum transaction of ₹750. To add to the benefits is the 1 reward point offer for every ₹150 spent on other expenses.

    Annual Fee – ₹750 + 18% GST

    What’s Special About the Card?

    All in all, a good pick considering the cashback and reward offers on several spends such as vehicle refill, telephone, utility. What adds to the weight of this card is the 5X reward points for overseas point-of-sales (POS) spends and a complimentary access to more than 1,000 airport lounges worldwide for premium banking customers. There’s a Good Life Programme which makes it easy to access exciting discount offers on dining, travel and other spends.

    Standard Chartered Manhattan Platinum Credit Card

    Enjoy 5% cashback on all your grocery spends while shopping at stores such as Big Bazaar, Food Bazaar, Reliance Fresh, etc.

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    Striking Features at a Glance

    Apart from the cashback you earn spending on groceries at Reliance Fresh, Food Bazaar, Big Bazaar and a few more brick and mortar retailers, you also stand to gain 3X reward points on other spends.

    Annual Fee – ₹999 + 18% GST

    What’s Special About the Card?

    It’s a big draw for grocery shoppers with cashback on their spends. The reward points on other spends only add to the card’s popularity. Apart from that, the card has a Good Life Programme which opens the gate of exciting offers on shopping, travel and dining expenses.

    SBI SimplyClick Credit Card

    Earn 10X reward points on online spends at exclusive partners – Foodpanda/Amazon/Lenskart/Cleartrip/BookMyShow/Zoomcar/UrbanClap

    Striking Features at a Glance

    In addition to 10X reward point offers on spends at specific online food, retail, entertainment and travel brands, there are 5X reward points on other spends at the same time. Besides, Amazon gift card is there to pouch upon at the start. E-voucher worth ₹2,000 can also be given on spends of ₹1 lakh and ₹2 lakh in a year.

    Annual Fee – ₹499 + 18% GST

    What’s Special About the Card?

    The 10X reward point offers while spending at renowned online brands like Amazon, Foodpanda and BookMyShow is a big eye-opener for the shoppers. Further, the availability of 5X reward points on all other online spends also makes shoppers go crazy about the card. E-vouchers, fuel surcharge waiver, and the annual fee reversal on spending 1 lakh a year only add to a long list of benefits.

    SBI Card Prime

    Get 15 reward points for every ₹100 spent on Reliance Fresh, Reliance Trends, Reliance Smart, Reliance Footprint, Sahakari Bhandar and BigBasket stores.

    Striking Features at a Glance

    With the card comes a welcome e-gift worth ₹3,000 from any of these top brands – Marks and Spencer, Shopper Stop, Yatra,.com, Bata/Hush Puppies and Pantaloons. If you spend ₹50,000 in a calendar quarter, a Pizza Hut e-voucher worth ₹1,000 will also greet you. You can earn 20 reward points for every ₹100 spent on utility bill payments. Spends on the birthdays also attract reward points. You can accumulate as much 20 points for every ₹100 spent on your birthday.

    Annual Fee – ₹2,999 + 18% GST

    What’s Special About the Card?

    The e-gift vouchers from top brands, reward points on dining, movies and grocery spends make it one of the exciting reward cards in India. Along with that, there’s a Club Vistara Silver and Priority Pass membership, offering complimentary visits to both domestic and international airport lounges.

    HDFC MoneyBack Credit Card

    Earn 2 reward points for every ₹150 spent. Reward points are redeemable as cashback against the outstanding amount. Every 100 reward points are worth ₹30.

    Striking Features at a Glance

    The reward points can even be redeemed for exciting gifts, air miles and attractive offers from HDFC’s gift catalogue. 100% more reward points are there on online spends. You can even enjoy a fuel surcharge waiver on transactions worth more than ₹400.

    Annual Fee – As Applicable by the bank

    What’s Special About the Card?

    Reward points and the scope to redeem them for cashback, gifts, air miles and several other attractive offers make many choose this card.

    ICICI Bank Coral Credit Card

    Get 4 payback points for every ₹100 spent on groceries, dining and supermarkets.

    Striking Features at a Glance

    Every anniversary year will accumulate 10,000 PAYBACK points for you. And if you are a movie buff, you will like this card even more. It’s because you can get 2 complimentary movie tickets every month under the Buy One Get One Offer at BookMyShow. It also provides one complimentary domestic railway and airport lounge visit in a quarter.

    Annual Fee – ₹500 +18% GST

    What’s Special About the Card?

    The PAYBACK points on spends at groceries, dining, supermarkets, and even on the anniversary year give the card its share of brownie points. With the addition of movie tickets and lounge access to the list of offers, the card makes it too tempting for the shoppers to resist.

    Personal Loan Interest Rates June 2018
    Bajaj Finserv 10.99% - 16.00%
    Fullerton India 14.00% - 33.00%
    HDFC Bank 11.25% - 21.25%
    ICICI Bank 10.99% - 18.40%
    IndusInd Bank 10.99% - 16.00%
    Kotak Bank 10.99% - 20.99%
    RBL 13.00% - 18.00%
    Standard Chartered Bank 10.99% - 14.49%
    Tata Capital 10.99% - 18.00%
    Home Loan Interest Rates June 2018
    State Bank of India/SBI 8.45% - 9.00%
    HDFC 8.50% - 9.15%
    Bank of Baroda 8.45% - 9.45%
    LIC Housing 8.45% - 8.90%
    PNB Housing Finance 8.40% - 8.99%
    ICICI Bank 8.50% - 9.05%
    Axis Bank 8.50% - 8.85%
    Citibank 8.40% - 9.20%
    Indiabulls Housing Finance Limited 8.50% - 10.80%
    Kotak Bank 8.60% - 8.70%
    DHFL 9.05% - 9.95%
    Reliance Home Finance 8.75% - 10.00%
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